IIFL FINANCE LIMITED

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Earn up to 13.04% p.a.

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Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

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Investment Opportunity in Embassy Group Company

Earn up to 13.04% p.a.

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Invest in Gold Loan Backed Bonds from Muthoottu Mini Financiers Ltd.

Earn up to 11.10% p.a

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Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

1Y 14Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL AA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Strong Ownership: Promoter group holds 24.9% of shares. Institutional investors (52.1%) include Fairfax (15.2%), Capital Group (7.9%), Vanguard (2.2%), Blackrock (1.2%), and HSBC MF (2.1%).

Diversified portfolio: Gold loans (44.17%), home loans (32.43%), microfinance (8.50%), MSME secured (9.26%), MSME unsecured (3.62%) and other products, supporting risk diversification.

Secured nature of loan book: IIFL Finance Ltd. maintains strong asset quality, supported by a largely secured loan book (87.36% as of Dec ’25).

Strong Debt Partnerships: PSU banks (SBI, BOB, Union Bank, Canara), private sector banks (ICICI, Federal ) and NBFCs (Bajaj Finance, Aditya Birla Capital).

Strong growth momentum: AUM grew 26% to Rs 98,335 Cr (9M-FY26) from Rs 78,341 Cr (FY25), driven by a 107% rise in the Gold loan portfolio to Rs 43,432 Cr.

Strong Asset Quality: Net-NPAs declined to 0.75% in Dec’25 from 1.05% in Mar’25 and 1.20% in Mar’24, reflecting sustained improvement in credit performance.

Strong capitalization: Net worth is Rs 13,048 Cr. as of Dec’2025. Cash and bank balance of Rs. 5,282 Cr, CRAR is at 27.70%.

Company Financials

Revenue

PAT

Debt

Net Worth

Important disclaimer

Ratio Analysis

0.69

Net NPA

Good

Benchmark: Lower than 3%

18.48

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

4.34

Operating Cash Flow to Equity Ratio

Good

Benchmark: Maximum 12 times

Important disclaimer

About Issuer

IIFL Finance Limited is a Non-deposit taking NBFC. The company offers business of home loans, gold loans, business loans, microfinance, construction, and real estate finance, and capital market finance to both retail and corporate clients.

Probity Research and Services Pvt. Ltd was founded in the year 1995. Probity Research and Services Pvt. Ltd was an Information Services Company in October and was renamed as IIFL Finance Limited. IIFL Finance Limited is based in Mumbai. IIFL Home Finance Limited and Samasta Microfinance Limited are subsidiaries of IIFL Finance.

As of Jun 30, 2021, the total AUM has been Rs. 43,160 crores and the total income is Rs. 831 crores. The company has established more than 2500 branches in 500 Indian cities. More than 20,000 employees are working in the company and Mr. Nirmal Jain is the Chairman of the company.

Total Annual Revenue

4649.43 Cr FY-2024

Year of Inception

1995

Industry

NBFC Retail

Head Office

MUMBAI

Type of Issuer

Corporate

Current MD/CEO

Mr Nirmal Jain

Credit Rating / Outlook

AA STABLE

CRISIL

Rating Rationale

Rating Date: 11-Feb-2025

AA STABLE

ICRA

Rating Rationale

Rating Date: 25-Sep-2024

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with AA credit rating are considered to have a high degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry very low credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

IIFL FINANCE LIMITED

Security Name

9% IIFL FINANCE LIMITED Secured Rated Listed NCD Maturity 21-Jul-2026

ISIN

Copy

INE530B07559

Face Value

₹ 1,000

Issued FV

₹ 1,000

Coupon Rate

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

21-Jul-2026

Clean Price

₹ 99.91

Dirty Price

Current Yield

9.008%

Yield to Maturity

9.0949%

Mode of Issue

Public Placement

Date of Issue

21-Apr-2025

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

VARDHMAN TRUSTEESHIP PRIVATE LIMITED

The Capital, A Wing, 412A, Bandra KurlaComplex, Bandra (East), Mumbai 400051

Registrar Details

MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.)

C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 15G/15H to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.) C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083

This bond is
currently out of stock

Download Cashflow

Similar Bonds

Bonds by Same Issuer

IIFL FINANCE LIMITED

Min Investment

₹ 2,99,843.43

Returns

8.95%

Payout

Monthly

Credit Rating

AA/CRISIL

FAQs about IIFL FINANCE LIMITED bonds

How to buy this IIFL FINANCE LIMITED bond online?

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What is the yield of this IIFL FINANCE LIMITED bond?

undefined% is the current yield of this IIFL FINANCE LIMITED bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this IIFL FINANCE LIMITED bond is undefined%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this IIFL FINANCE LIMITED bond?

To redeem this IIFL FINANCE LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this IIFL FINANCE LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this IIFL FINANCE LIMITED bond tax-free?

No, this IIFL FINANCE LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this IIFL FINANCE LIMITED bond before the maturity date?

Yes, it is possible to sell this IIFL FINANCE LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

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Highlights

Company Financials

Ratio Analysis

About Issuer